First Bancorp Inc (FNLC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Bancorp Inc stock (FNLC) is currently trading at $27.81. First Bancorp Inc PE ratio is 8.76. First Bancorp Inc PS ratio (Price-to-Sales) is 3.26. WallStSmart rates FNLC as Moderate Buy.
- FNLC PE ratio analysis and historical PE chart
- FNLC PS ratio (Price-to-Sales) history and trend
- FNLC intrinsic value — DCF, Graham Number, EPV models
- FNLC stock price prediction 2025 2026 2027 2028 2029 2030
- FNLC fair value vs current price
- FNLC insider transactions and insider buying
- Is FNLC undervalued or overvalued?
- First Bancorp Inc financial analysis — revenue, earnings, cash flow
- FNLC Piotroski F-Score and Altman Z-Score
- FNLC analyst price target and Smart Rating
First Bancorp Inc
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FNLC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Bancorp Inc (FNLC)
FNLC trades at a significant discount to its Graham intrinsic value of $143.68, offering a 80% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Bancorp Inc (FNLC) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
First Bancorp Inc (FNLC) Key Strengths (6)
Keeps $51 of every $100 in revenue after operating costs
Earnings per share surging 41.10% year-over-year
Keeps $37 of every $100 in revenue as net profit
Trading at 1.07x book value, attractively priced
Strong revenue growth at 22.80% annually
52.27% held by institutions, strong professional interest
Supporting Valuation Data
First Bancorp Inc (FNLC) Areas to Watch (3)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.26x sales
First Bancorp Inc (FNLC) Detailed Analysis Report
Overall Assessment
This company scores 70/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 6 register as strengths (avg 9.0/10) while 3 fall into concern territory (avg 5.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.07) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 51.10%, Profit Margin at 37.00%. Growth metrics are encouraging with Revenue Growth at 22.80%, EPS Growth at 41.10%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.26) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 12.80%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.80% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 22.80% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FNLC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FNLC's Price-to-Sales ratio of 3.26x sits near its historical average of 3.09x (66th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 45% below its historical high of 5.89x set in Dec 2016, and 103% above its historical low of 1.61x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Bancorp Inc (FNLC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 93M with 23% growth year-over-year. Profit margins are strong at 37.0%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 37.0% and operating margin of 51.1% demonstrate strong pricing power and operational efficiency.
Free cash flow is -1.3B, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Growth sustainability: can First Bancorp Inc maintain 23%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 5.4%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 188M is significantly higher than cash (28M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Bancorp Inc.
Bottom Line
First Bancorp Inc offers an attractive blend of growth (23% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About First Bancorp Inc(FNLC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Bancorp, Inc. is the holding company of First National Bank offering a range of banking products and services to individual and corporate clients. The company is headquartered in Damariscotta, Maine.